What Is Standalone Earthquake Insurance? (And Why You Might Need It)

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March 30, 2025

When it comes to protecting your home, most people rely on their standard home insurance policy. But here’s the reality: most home insurance policies do not cover earthquake damage. That’s where standalone earthquake insurance comes in—and if you live in an earthquake-prone area, it might be one of the smartest decisions you make.

What Is Standalone Earthquake Insurance?

Standalone earthquake insurance is exactly what it sounds like—an independent policy that specifically covers damage from earthquakes. It is not bundled with your existing home, fire, or landlord insurance.

This means you can keep your current coverage with big-name companies like:
🏠 State Farm
🏠 Farmers
🏠 Allstate
🏠 Or any other provider you trust

…while getting your earthquake insurance separately from a specialized company that focuses solely on earthquake coverage.

Why Choose a Standalone Policy Instead of Bundled Coverage?

Many traditional insurance carriers offer limited earthquake endorsements—but these are often expensive, restrictive, and offer less-than-ideal coverage.

Here’s why standalone earthquake insurance is often the better choice:

✅ More Comprehensive Coverage – Specialized carriers understand earthquake risks and offer better protection options.
✅ Lower Premiums – In many cases, standalone policies are actually more affordable than bundled add-ons.
✅ Flexibility – You get to keep your current home insurance provider while choosing the best earthquake coverage available on the market.

Can I Have Two Separate Policies?

Absolutely. In fact, that’s the whole idea. You can:

This setup ensures you’re fully protected without overpaying or being stuck with a one-size-fits-all policy.

How to Get Standalone Earthquake Insurance

At EarthquakeAgent.com, we specialize in helping homeowners find the best standalone earthquake insurance options—tailored to your property and your budget.

✔️ Visit our Learning Center to explore more helpful resources
✔️ Get a customized quote by filling out a short form on our website
✔️ Let us walk you through your options with no added fees on residential policies

Final Thoughts

If you live in an earthquake-prone area, relying solely on your home insurance isn’t enough. Standalone earthquake insurance gives you the power to choose the right protection from the right provider—without switching everything else.

📢 Get started today at 👉 EarthquakeAgent.com
We’re here to help you protect your most valuable investment—your home.